Thank you, Chair.
Thanks for coming here.
I thought it was raised that those crazy radical socialists in the United States decided to restrict debit card fees because they were unfair. It's a good example of sometimes needing a strong regulatory system.
I'd like to ask Mr. Wilson and Mr. Forzley a question about their members and their experiences out there. When it comes to fees for credit cards, or whatever, we know that they're higher here in Canada, but are the banks consistent in Canada with those in the United States? Do we find that the banks are different--U.S. versus Canadian banks--or do we find, for example, that my bank, TD Bank, charges something different in Canada than in the United States?